Rate category determines the duration of the pre-existing condition exclusion
Rate Category | Time period | Manulife Travel Insurance
will not pay any expenses relating to a… |
 | | Pre-Existing
condition | Heart
condition | Lung
condition |
|
|
3 months
6 months
6 months
|
Not stable in the time period before the effective date of your insurance
|
In the time period before the effective date, if any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain
|
In the time period before the effective date, if any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition
|
|---|
NOTE: Travel Canada Emergency Medical Plan - no pre-existing condition exclusion applies.
Pre-Existing Condition
- "Pre-Existing condition" is defined in the policy as a medical condition that exists before the effective date of insurance.
Medical Condition
- "Medical condition" means sickness, injury, disease, or symptom; complication of pregnancy within the first thirty-one (31) weeks of pregnancy.
Stable medical condition means that all of the following apply:
- there has not been any new symptom(s); and
- existing symptom(s) have not become more frequent or severe; and
- a physician has not determined that the medical condition has become worse; and
- no test findings have shown that the medical condition may be getting worse; and
- a physician has not provided, prescribed, or recommended any new medication, any change in medication; and
- a physician has not provided, prescribed or recommended any investigative testing, new treatment or any change in treatment; and
- there has been no admission to a hospital or referral to a specialty clinic or specialist; and
- a physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.